For my 16th Birthday, almost 14 years ago when we still lived in Central Florida, we headed on over to the parks and it was a record cold day.(40s). It was absolutely bone-chilling, and yes while I was a Floridian at the time, it was so insanely cold. All day long. We still had a great time, but it's just absolutely bone-chilling.
We've lived in Tennessee for years now, so I've gotten used to the cold winters. I've become pretty acclimated and don't usually need a jacket unless it's in the 20s or something. However, even in the 60s when we went this past March, I was so uncomfortably cold. I do not get bone-chilled cold here like I do when I'm in Florida. It just gets to me! I know it's a lot to do with the humidity in the air plus the wind... On the days I had plenty of layers, it was fine... but on the days I did not prepare well, I was pretty miserable until the sun really started shining, and sipped plenty of hot drinks.